Page 57 - Policy Wording - Hollard Prestige Portfolio

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Hollard Prestige Portfolio – Version 1.5 – 19 June 2024
Section 2 – Contents
Specific definitions for this section
○ We cover your contents including your household goods and equipment, furniture, furnishings, unfixed electrical
goods, valuables, personal belongings, clothing and unfixed household goods that you own or are legally your
responsibility including the following:
– loose carpets and rugs
– internal blinds and curtains
– refrigerated, frozen or other foods, drinks and medicines
– keys or locks including the reprogramming of any alarms, electronic locks and/or security devices
– laundry on a washing line
– gifts
– free-standing fish tanks/aquariums and their stands, cabinets, equipment and accessories
– inflatable or portable swimming pools and portable spa’s and their accessories
– surfboards, sailboards, and non-motorised surf-skis
– remote-controlled power-driven models or toys
– contents items that you are legally responsible to insure under a written contract (for example, a hire
purchase agreement but not a tenant’s rental agreement)
– your fixtures and fittings installed in a home that you rent.
○ Contents also includes
– Assets out means any personal belongings when temporarily removed from the insured address. The
excess stated in the schedule applies to this cover.
– Business means any professional or commercial activity conducted at the insured address stated in your
schedule with regards to your occupation as declared on the proposal form.
– Business contents means the following office equipment if used for a business activity (part-time or full-
time):
•
computers and their accessories including laptops, electronic diaries, palm tops or pocket
computers
•
PCs, printers and scanners (but not software, games or stored media information)
•
filing cabinets
•
fax machines, photocopiers, typewriters, scanners
•
chairs, tables, desks and other office furniture
•
telephone and telecommunication equipment.
– Camping equipment means contents and camping equipment while being used temporarily for holiday
purposes.